Main Street America vs Nationwide Car Insurance

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Last Updated: January 2022


Insurify Composite Score

Main Street America
Not Rated
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Insurify Composite Score

What is this?

Insurify Composite Score

Main Street America VS Nationwide
Not Rated
What is this?
User Ratings
OptionsMain Street America Nationwide
16 reviews
3,848 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsMain Street America Nationwide
Call Center Representative--The rest
Insurer Website--Among the best
Local Agent--Better than most
Overall Satisfaction--About average
Policy Offerings--Better than most
Pricing--About average
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsMain Street America Nationwide
Claim Servicing--About average
Estimation Process--Better than most
First Notice of Loss (FNOL)--Better than most
Overall Satisfaction--About average
Rental Experience--Better than most
Repair Process--Better than most
Settlement--About average
J.D. Power Ratings by Region (out of 1000)
RegionMain Street America Nationwide
California--796 pt
About average
Central--803 pt
The rest
Florida--793 pt
The rest
Mid-Atlantic--823 pt
The rest
New England--817 pt
About average
New York--806 pt
The rest
North Central--815 pt
The rest
Northwest--782 pt
The rest
Southeast--823 pt
About average
Southwest--805 pt
The rest
Texas--813 pt
The rest
Mobile App Ratings
RegionMain Street America Nationwide
1,829 Reviews
40 Reviews
Financial Ratings
OptionsMain Street America Nationwide
A.M. Best--A+
Standard & Poor's--A+

Auto Insurance Quotes

For Married Drivers

CityMain Street America Nationwide
Santa Monica--$96

For Single Drivers

CityMain Street America Nationwide
Santa Monica--$231

For Male Drivers

CityMain Street America Nationwide
Santa Monica--$215

For Female Drivers

CityMain Street America Nationwide
Santa Monica--$112

For Drivers with Speeding Ticket

CityMain Street America Nationwide
Santa Monica--$270

For Drivers with No Speeding Ticket

CityMain Street America Nationwide
Santa Monica--$141

For Drivers Age Between 18-40

CityMain Street America Nationwide
Santa Monica--$262

For Drivers Age Between 40-65

CityMain Street America Nationwide
Santa Monica--$85

For Drivers Age of 65+

CityMain Street America Nationwide
Santa Monica--$88

For Drivers with Average Credit

CityMain Street America Nationwide
Santa Monica--$147

For Drivers with Fair Credit

CityMain Street America Nationwide
Santa Monica--$117

For Drivers with Good Credit

CityMain Street America Nationwide
Santa Monica--$106

For Drivers with Excellent Credit

CityMain Street America Nationwide
Santa Monica--$285

Quotes & Discounts

Discount typeMain Street America Nationwide
Accident FreeVariesVaries
Anti-Theft DeviceVariesUp to 5%
Anti-lock BrakeVaries--
Driving trainingVaries--
Good StudentVariesUp to 15%
Multiple PolicyVariesUp to 25%
Multiple VehicleVariesUp to 20%
Passive RestraintVaries--
Accident Forgiveness--Varies
Affinity group--Varies
Defensive Driver--Up to 10%
Driving Habits--Varies
Family--Up to 25%
Farm Bureau--Up to 10%
Good Driver--Up to 10%
Organization--Up to 10%
Paperless documents--Varies
Preferred payment--Varies
SmartRide--Up to 10%

Payment Methods

Discount typeMain Street America Nationwide
Automatic Online Payment
Credit Card Payment --yes
Debit Card Payments --yes
Electronic Check
Mail Payment
Multi-Payment Installment Plans
Online Payment
Person 2 Person Payment --yes
Phone Payment

Features and Services

Features and ServicesMain Street America Nationwide
24/7 serviceyes--
Flexible / convenient paymentsyes--
Online account management--yes
Roadside assistance--yes

Optional Coverages

Optional CoveragesMain Street America Nationwide
Accident Forgiveness
Airbag Replacement Coverage
Antique or Collector Car Insurance
Gap Insurance
Glass Coverage yes--
New Car Replacement Coverage
Original Equipment Manufacturer Coverage
Rental Reimbursement
Roadside Assistance
Vanishing Deductible

Compare Insurance Products

ProductMain Street America Nationwide
Car InsuranceCar Insuranceyesyes
Business InsuranceBusiness Insuranceyes--
Condo InsuranceCondo Insuranceyes--
Flood InsuranceFlood Insuranceyes--
Home InsuranceHome Insuranceyesyes
Life InsuranceLife Insurance--yes
Pet InsurancePet Insurance--yes
Renters InsuranceRenters Insuranceyes--
Umbrella InsuranceUmbrella Insuranceyes--

User Reviews

  • Main Street America Reviews
  • Nationwide Reviews
5 Stars
25 %
4 Stars
6 %
2 Stars
6 %
1 Star
63 %

Most Positive Review

By Marilyn
Great rates

Latest Review

By avigdor rosenfeld
The cheapest prices

All Reviews

Showing 1 - 10 out of 16 Reviews
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Read reviews that mention

avigdor rosenfeld
The cheapest prices
Brandy H
If I could give zero stars I would. Their policy holder, Mrs. Park hit ME coming into a parking garage on the wrong side of the road, facing outgoing traffic and hit my car. AMANDA **** (************************ ************) my insurance adjuster through them has not returned a single voicemail 8 of them since DECEMBER is now January 9th. HER supervisor, KATHY ******** ************ has not returned two voicemails I have left over the past week. As of today I have reached out to KATHY's supervisor DEB ******* ************, whose voicemail says she is out until january 2nd, so clearly this woman cannot even update her voicemail...I have left HER a voicemail and called three times. As of today I have also reached out to KATHY's supervisor BoB ***** at ext ***** (you can get to the main number by pressing 0 during the voicemail recordings of any of the people above, then enter this extension). I've left him a voicemail as well. It is OVERTLY evident that these people (aside from Bob so far) are BUMPING MY CALLS TO VOICEMAIL, as you can tell because of the call going to voicemail immediately, then after two rings, then 4, then normally, as I have attempted to be irritating at this point and called 8+ times back to back to Amanda's number to test which case I found she was bumping me to voicemail repeatedly, as was Kathy and Deb. THIS is the WORST insurance company if one of their policy holder's hits you. I will be pursuing legal recourse if I do not hear back from them soon. I would NOT BE SURPRISED if this is some FLY BY NIGHT INSURANCE COMPANY THAT IS FAKE AND DISAPPEARS A FEW TIMES A YEAR, RENAMING ITSELF TO A NEW COMPANY NAME EACH TIME. ALL I WANT IS A FREAKING STATUS UPDATE ON MY CLAIM AGAIN THEIR POLICY HOLDER WHO CANT FIGURE OUT HOW TO DRIVE ON THE CORRECT SIDE OF THE ROAD. AT LEAST LET ME KNOW IF YOU ARE DENYING THE CLAIM SO I CAN TAKE HER TO COURT AND EASILY GET PAID THE LESS THAN $300 IN DAMAGE SHE CAUSED TO MY CAR. NO I WILL NOT USE MY INSURANCE TO PAY FOR THIS, TELL YOUR DRIVER TO LEARN WHICH SIDE OF THE ROAD TO DRIVE ON. I HOPE SHE CANCELS HER POLICY WITH YOU AFTER THE PROBLEMS YOU ARE GOING TO BRING UPON HER BECAUSE OF YOUR LACK OF RESPONSE. #FAKEINSURANCECOMPANY
I've really only dealt with them via an insurance agent.
Brett P.
This is absolutely the worst insurance company on the planet. I am dealing with a Charlene ********* there and she is very unpleasant. I deal with insurance companies on a daily basis as a paralegal and this is by far the most incompetent insurance company out there. An insurance adjuster that thinks she needs to put acronyms by her name to make her sound more important does nothing for me. You would be better off with any other insurance company than this.
Allen Gadson
On 06/27/2017 my business was damage due to fire. As of 04/12/2018 each represenative with this company has failed to pay loss earnings for my business or the rent at the temporary location due to displacement. I have supplied all requested documents even Bank Statements to their Forensic Accountant. I'm using / depleting my savings to met the course of remaining open. The reimbursment the rental fees are late or don't arrived at all. Not the company for anyone, they don't reply to social media also tags.
Chris G.
This company is terrible. I set up electronic funds transfer with them and it comes out on a different date each month rather than on a certain date. I have never heard of etf that didn't come out on a certain date. I don't want to do math in order to figure out what date my bill is coming out. I talked to a girl named cindy in customer service to try to rectify it and she was arrogant and unhelpful not listening to me and always talking over me before I could get a sentence out. It got to the point where I had to say to her are you listening to me or are you just a recording. They obviously have many calls to this end because it seemed like she knew what I was going to say. I finally said to her, after numerous pleas for her to listen to me, I will be finding a new insurance company that will listen to me that actually knows what customer service means. don't waste your time with this company.
We are only switching the Avalanche. My husband is a Florida resident and is registering it in Florida so we need different insurance.
Great rates
Run, don’t walk away from this company. The person that I dealt with in the claims department was rude, demeaning and accusatory. I am a professional with high moral standards and was astonished at the blatant disrespect within this department. They denied my claim for reasons that I totally did not agree with so I filed a claim with the Massachusetts insurance commissioner and they ruled in my favor. Point made!
Samuel N.
I was hit by a deer and my car was totaled. When my car was appraised, it came in at 1000 dollars less than both Kelley Blue Book and Edmund's prices. I sent them examples of used cars in my area that were more expensive (even when you added the higher mileage penalty) and they still wouldn't budge on their offer. Their customer service response is very slow- an average of 4-5 days per email. No explanation of why the large difference in price. Now they tell me (after 45 days waiting) that I can go to an arbitrator, (at my cost.) The cost to me would be more than the difference in our price. I do not believe that they are a treating me fairly or honestly.
Showing 1 - 10 out of 16 reviews


The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.